Discount dental insurance?!

Discount dental insurance?

Hello, I am looking into purchasing discount dental insurance for 20 a month for me and my husband. Thing is we need ALOT done. He needs 3 root canals, deep cleaning and a few cavities, i need 6 cavities and a deep cleaning. We only have about 100 a week left over after bills and need to figure something out? Does anyone have any expierence with this? I went on the site and found dentists in my area and how much things cost if you go to that dentist w/ this plan, and things are pretty cheap, but how do i know thats real, and how do i ask for a "exam" and an estimate? is that possible to both go in and get the free exam and xrays for new patients and then ask for an estimate w/ this insurance and let them get back to me? i really have no clue how to go about this. We really need this stuff done.

1 month ago
man people dont understand english. I have a place i want to get it I NEED TO KNOW HOW IT WORKS. someone who has it allready and has used it and example of their personal expijerence and prices. sheesh can i make it clearer?

First, relax! Most dental problems are not emergencies. So you can calmly look at your options and decide what is best for you. Read on...

Most employers provide some kind of dental cover for their employees. Dental Insurance, dental reimbursement plans, group plans etc. are some of types of dental cover provided by employers. If you have one of these then most of your dental costs will be covered under them and you need to pay only a percentage of the costs. I assume you and your husband DO NOT have any of these types of dental cover.

The cheapest option for you right now is to find a dental school near you and get registered there. The students at the dental school are always in need of patients to learn their craft. So, find out if they are willing to take you as patients. You will be worked on by student dentists and the outcome may not be great but you can expect reasonable amount of care as they will be supervised by their teachers.

But if you want good quality dental care then an option you can explore is getting dental discount plans - these are not dental insurance remember - they are kind of discount clubs. The company offering the discount dental plan negotiates a deal with dentists around the country to offer their dental services at lower costs then it would normally cost. The whole thing is upfront. That is you know how much you have to pay for your dental treatment.

For example: Here's a sample Actual You Pay
Root Canal Treatment - Front Tooth $542 $336
Root Canal Treatment - Bicuspid $646 $403
Root Canal Treatment - Molar $829 $491

What you could do is save $100 left every week and after you have accumulated say 400 dollars at the end of month get one root canal treated. That way at the end of the year you could get most of dental treatment done.

What you can also do is visit the dentists around your area and get an estimate for the overall dental treatment for both of you. You could outline your position to them and ask them to give you an overall plan so you can plan your treatment over the course of a year or two.

Most dental treatments are not an emergency so you can spread out your costs over a year or two. Ask your dentist to priortize your treatment needs. That way you will be able to get the most needed treatment first.

I know you can't put all your money into getting dental treatment alone. Several other emergencies will crop up claiming your savings. But don't worry things will work out with a little bit of planning and care. Try a combination of dental school and discount dental insurance to make the most of what you have.

All the best!